EP0590861A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Secure credit/debit card authorization
Assignee: AT&T Inc
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Filing: 1993-09-22
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Granted: —
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Expires: 2013-09-22
Abstract
Abstract This invention relates to methods for making a credit/debit card purchase without revealing the card number to the vendor (3) of services or goods. The card holder (1) is connected to a data base (5) and provides the card number, plus holder identity verification, to the data base. The data base then verifies whether the card holder is authorised to incur the expense of the purchase, and, if so, provides an authorisation indication or code to the vendor (3); the card number cannot be derived from the authorisation information, thus helping to preserve the secrecy of the card number.
Inventors
- 👤 Raymond Otto Colbert
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-01 13:12
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/385; G06Q20/02; G06Q20/04; G06Q20/30; G06Q20/34; G06Q20/347; G06Q20/40; G06Q40/00; G06Q40/02; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1025; G07F7/1075
Claims Analysis
Total Claims: 7
Claim 1
Independent Claim
105 words
In a data base (5) for authorizing a credit/debit card (CDC) expenditure, a method for authorizing a purchase of goods or services, comprising: responsive to receiving in said data base data (5) from a holder (1) identifying a specific CDC, determining whether said CDC is authorized to incur an expenditure; and responsive to a determination that said CDC is authorised to incur said expenditure, transmitting from said data base an authorization indication to a vendor (3) of said goods or services, the identification of said CDC not being derivable from said authorisation code; wherein the identification of said CDC is not provided to said vendor.
Claim 2
Dependent Claim
20 words
A method as claimed in claim 1 wherein said authorization indication comprises an authorisation code for tracking a purchase transaction.
Claim 3
Dependent Claim
58 words
A method as claimed in claim 2 wherein said authorisation code comprises one or more of the following: a limit of allowed expenditure for a transaction, an identification of said vendor, date and/or time data, a time limitation for a transaction, the name of a holder of said CDC, and an address of a holder of said CDC.
Claim 4
Dependent Claim
30 words
A method as claimed in claim 1, 2 or 3 wherein said data received in said data base comprises data for verifying the identity of the user of said CDC.
Claim 5
Dependent Claim
17 words
A method as claimed in claim 4 wherein said data for verifying comprises a personal identification number.
Claim 6
Dependent Claim
27 words
A method as claimed in claim 4 or 5 wherein said data for verifying comprises an automatic number identification of a caller station supplying said CDC identification,
Claim 7
Independent Claim
42 words
A method as claimed in any preceding claim comprising the steps of: establishing a voice connection to voice recognition means for recognizing the identity of a caller; and using output of said voice recognition means to identify a user of said CDC.
References Cited (Backward Citations)
No citation records indexed.
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